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Time for me to start paying them off. $12k due June, 21k due July. $23k November. I’d keep rolling but the applications just don’t come anymore. After the paydown, I’m asking all lines to raise my limit, suspecting that no more feeless 0% intro offers are coming, and for those with fees I really need to know the limit to know the limit before agreeing. i can only do that on existing lines. so everybody’s tightening up. we’ll see…

I think she read your article, called a friend named Bruce, checked with some web forum users, and voila! A new article that “nobody’s thought of before”. If I could roll my eyes here and now I would. In school we call that plagiarism.

I have noticed the 0% offers drying up too. Some of the ones that I have seen are life-time 3.99% loans. I guess if I had a balance I would take that offer, but I haven’t gotten much better.
I am maxed out on my other 0% cards. Need to have them paid off by October.

I would pay off all my 0%APR credit card(s) due in Sept 07. This technique helped me purchasing my car at 0% APR, no financing, no hassle. Instead of pocketing the difference as profit, I put them into my online savings acct. to help me to earn more to pay off when its due. Excellent techniques. Thanks.

Jonathan, I have to admit that she stole your idea. But yours are so much more detailed. I have played this game for almost 6 months after reading your blog. One question here: I have normal Chase consumer card, and now I am trying to apply for a Chase Business card or professional card. Can I move credit limit line between consumer card and business card (though both are under my name) ? Thanks.

I’m in the very early stages of attempting a BT out of Chase but I actually will be making a purchase @ 0% APR to initially fund an online High Interest CU account (www.rateedge.com (they actually let you charge your initial funding)), so I’ll get both interest at 5.5% (until I move the Balance to my FNBO account) as well as ~24,000 reward points. My main question is can balance limits from Business cards be moved to consumer cards within the same family? There has been alot of new activity in my Credit reports since within the last two months 2 chase cards were opened, 1 ATT/citicard was opened and 2 Online High Yield Accounts were opened (FNBO & AmTrust). Additionally Chase closed a linked Pier 1 card due to no activity and denied me a credit limit increase on an older Chase card. I had I want to apply for another citi card that is business related mostly for the instant rewards and then move it’s limits to the ATT/Citi card which is 0% BT that starts anytime within the initial 12 month into period. Should I apply for the Citi Business card or wait till there is less activity in the account. I don’t really want to apply once they can see that I’ll have ~24,000 $ of revolving debt (of course simply sitting earning interest). Advice is needed.

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